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Hey James Ryan, Please read my comments carefully. I acknowledged my experiences are outdated, and I should be able to share my experiences as I wish. Beside, a MD's income may be qualify for FHA loan regardless H1B or not. Please keep your attitude to yourself.
As a Canadian relocated to USA 10 yrs ago, here are my experiences.1) Your credit/history in Canada does not transfer to USA2) you need USA bank account, and credit card (good luck on getting them to start). I started by putting large sum of cash in the bank as the guarantee in order to get a low limit credit card.3) The number of the years on the job is also very important to the banks/lenders. Please prepare to bring your Med residency letter.4) If you manage to get a lender to loan you money now, your loan amount and rate will be limited base on your USA-VISA. If you are on TN, there would be no lending. If you are on student visa F- something, there would be no lending. If you are on H-1B, you need special USA Loan with high rate. If you are a US permanent residence, you can obtain mortgage the normal way.
5) Beware the US lending practices are very different than the Canadians'. It's a lot less government regulated/monitored. Lender be ware.
6) Watch out for the title clearance on property. The property titles are not back up, or regulated by the gov. The USA title Insurance policy just have too many exceptions to cover their rear end. It's really not very useful. These're just my experiences about 10 yrs ago. Maybe the lending practice had changed. oh! and I was not a MD-to-be. Maybe your occupation would make a different. Good luck!
Hello this is Marvin garcia, helping you, you can buy in cash deal, depent where you lieve the pricees are so low, have nice day.
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